In the era we are living, internet is useful in our daily life,
but its another risky tool of finding partner/soul mate.
Nothing can substitute the personal touch and communication face to
face in any relationship. It's not only different - it's hell of a
different when you speak to someone real life and someone
virtually. 
What you know about her is the impression she creates from merely
words and probably with one phone call. Her voice sounded pretty
sweet (totally bowl you over) and you 'think' that you fell in love
with her. 
Truth #1: You love
her impression, you don't love her.
The big age gap is a problem - True love surmount all (Yes, I
agree), however is it true love for you? Difficult to say, because
you can't guarantee she can turn out to be what
you expect her to be. (Subconscious, your mind has implanted a
vision and image of how she would be like when you see her - this
included character and physical looks) 
What she wants in a bf emotionally, physically, mentally is VERY
DIFFERENT from what you want vice vista. For a 32 years old guy -
probably you will be thinking of marriage, but how sure can
you say for a 21 years old lady? 
P.S: Before you attempt anything, be sure to understand what you
are doing. Its foolish to woo a girl based on impression alone and
with 11 years difference - this is indeed very high risk IF you are
looking for a fulfilling relationship. You can heed your heart -
but don't ever think back and regret what you have did.
Life is full of decision, just make sure you
always look forward and never turn back. 
Cheers